After all, your personal insurance isn’t going to pay out.
Were you aware of that? You NEED to be aware. Now.
As in, don’t deliver another single freaking order until you know you are covered.
I am dead serious. Either get your insurance updated now so you are covered, or quit the independent contractor gig effective immediately.
It’s not worth the risk. The few dollars you earn doing this aren’t worth what it can cost you not being covered. Stop now, get it resolved.